Save money and be informed. CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Chase Refer a Friend: How Referrals Work

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.This article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

Earn Chase points fast by referring your friends and family members. You can earn up to 50,000 extra points with little work. Read on.

Note: Not all the cards are available for this program all the time. Chase will have special periods where certain cards are eligible for the Refer-a-Friend promotion. Also, the bonus points may change from time to time.

How to Refer a Friend

Next, we'll show you step-by-step how you can refer a friend and earn bonus points.

You will need to enter your last name, zip code, and last 4 digits of your card number.

Step 2: See what your current promotion isRight away, you'll see if your card is eligible for this program and what you will get.

For my Chase Sapphire Preferred card, I can receive 10,000 bonus points for each friend who signs up for the card through my referral link. I can get up to 50,000 bonus points through the program per year. That equals to $625 in travel on the Ultimate Rewards portal.

Be sure to check often, though, because sometimes the bonus promotion changes. For example, sometimes I only get 5,000 bonus points for each referral.

Step 3: Get a referral codeYou will see your personalized referral link. Click on "Copy Link" and you can send it to your friends whatever way you like (such as through text or email).

It will say something like:

"Earn 50,000 bonus points with Chase Sapphire Preferred. I can be rewarded too if you apply here and are approved for the card. Learn more.

[your referral link will appear here]"

Tip: In our opinion, this is the best way to ensure that your friends will get the link. Because if you send it straight from the Chase website (see next step), it may be blocked or sent to your friends' spam folder and they won't get it.

Or Step 4: Send your friends the invitation from the siteYou will also see the option to send an invitation from the site. For me, I can either email it:

or share on Twitter:

You may also see an option to share on Facebook.

Step 5: Wait for your friends to sign upWhen your friends click through your referral link, they'll see a website with the card offers. There will be an "Apply Now" button. As long as your friends click through the link to apply, you'll be awarded the bonus points.

Note: Chase has a 5/24 rule, which means that if your friend has opened more than 5 new credit cards in the last 24 months (including non-Chase cards), their Chase credit card application will most likely be declined.

Frequently Asked Questions

Can the referral be for any of the eligible Chase cards?No. It can only be for the Chase card that you own. So for example, you can't own the Chase Freedom and refer someone for Chase Freedom Unlimited.

When do the referral bonuses post to your account?Unfortunately, there are many complaints that it takes a long time for the referral bonuses to post. Generally, they should post with the 2nd billing cycle after your friend gets approved.

If someone is already my authorized user, can I still refer them?Yep! You can refer them for their own card, and you will still receive the referral bonus. And they will still receive the card sign-up bonus (provided the minimum spending requirements are met).

Bottom Line

It's great that Chase has this program. If you happen to have friends or family who are looking for a new credit card, it never hurts to send them an invite. After all, referrals straight from existing users are often the most trusted. Just check Chase's Refer a Friend page from time to time to see if your card is currently participating.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Freedom and Ink Business Cash Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Most credit cards tack on a 3% charge, or foreign transaction fee, on purchases made outside the United States. If you travel internationally with a no foreign transaction fee credit card, you'll save money on your purchases.

About CreditDonkey® CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.